Take Home Pay Calculator
Calculate your actual take-home pay after PAYE tax, UIF, pension contributions, and medical aid deductions in South Africa. See exactly where your salary goes.
Quick Calculator Get a fast estimate
R
% of gross
Typical employer contributions: 7.5-15%. Enter your employee portion.
R
Your monthly contribution to medical aid (after employer subsidy).
Monthly Take-Home Pay
R 26 722
Gross Monthly Salary
R 35 000
PAYE Tax
R 5 476
UIF Contribution (1%)
R 177
Pension / Provident Fund
R 2 625
Medical Aid Premium
R 0
Medical Aid Tax Credit
R 0
Total Monthly Deductions
R 8 278
Effective Tax Rate
15.64%
Annual Take-Home Pay
R 320 668
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2025/2026 SARS Tax Brackets
| Taxable Income | Tax Rate |
|---|---|
| R0 – R237,100 | 18% |
| R237,101 – R370,500 | 26% on amount above R237,100 |
| R370,501 – R512,800 | 31% on amount above R370,500 |
| R512,801 – R673,000 | 36% on amount above R512,800 |
| R673,001 – R857,900 | 39% on amount above R673,000 |
| R857,901 – R1,817,000 | 41% on amount above R857,900 |
| Above R1,817,000 | 45% on amount above R1,817,000 |
Primary rebate: R17,235. Age rebate (65-74): +R9,444. Age rebate (75+): +R3,145. The Extended Calculator covers CTC and salary package modelling. The Professional Calculator adds bonus impact, benefit valuation, and total reward statement.
Need more detail?
Extended Calculator More options, charts, and scenario comparison
R
R
R
Monthly Take-Home Pay
R 26 452
PAYE
R 5 871
UIF
R 177
Pension/RA
R 4 000
Medical Aid
R 3 500
Pay Waterfall
Understanding Your Pay Slip
- PAYE: Pay As You Earn tax withheld by your employer at 2025/2026 SARS brackets.
- UIF: 1% of earnings up to R17,712/month. Entitles you to unemployment benefits.
- Pension/Provident Fund: Your contribution to your employer's fund (typically 5-15% of salary). Tax-deductible up to 27.5% of income / R350,000 per year.
- Medical Aid: Your portion of the monthly medical aid premium.
- Medical Aid Tax Credit: Applied monthly to reduce your PAYE — R364/month main member, R364 first dependant, R246 per additional dependant.
Need full precision?
Professional Calculator Complete parameters, sensitivity analysis, and detailed breakdown
Salary Details
R
%
Employee portion
R
Annual Take-Home Pay
R 325 699
Monthly take-home
R 27 142
Annual PAYE
R 74 176
Effective tax rate
15.5%
Marginal tax rate
31.0%
UIF annual
R 2 125
Pension contribution
R 36 000
Multi-Period Pay View
| Period | Gross | Take-Home |
|---|---|---|
| Monthly | R 40 000 | R 27 142 |
| Fortnightly | R 18 462 | R 12 527 |
| Weekly | R 9 231 | R 6 263 |
| Daily (workdays) | R 1 839 | R 1 248 |
Annual Bonus Impact
| Gross bonus | R 40 000 |
| Extra PAYE on bonus | R 12 400 |
| Effective tax rate on bonus | 31.0% |
| Net bonus take-home | R 27 600 |
Total Reward Statement
R
R
R
| Cash Salary | R 480 000 |
| Employer Pension Contribution (est) | R 36 000 |
| Group Life & Disability (annual) | R 7 200 |
| Total Reward Package | R 523 200 |
Frequently Asked Questions
Standard deductions from your South African salary include: PAYE (income tax), UIF contribution (1% capped at the UIF earnings ceiling), pension or provident fund contributions, and medical aid premiums. Medical aid tax credits reduce your PAYE. Your employer may also deduct group life insurance or other benefits.
The UIF (Unemployment Insurance Fund) contribution is 1% of gross earnings, deducted from the employee, plus 1% matched by the employer. Contributions are capped at the UIF earnings ceiling of R17,712 per month (R212,544 per year). If you earn more than this, your UIF contribution is capped.
Medical Aid Tax Credits (MTC) reduce your monthly PAYE. For 2025/2026: R364/month for the main member, R364 for the first dependant, and R246 per additional dependant. These credits are applied against your tax payable (not your taxable income), so they benefit all taxpayers equally.
Yes. Contributions to pension funds, provident funds, and retirement annuities (RAs) are deductible from taxable income. The deduction is limited to 27.5% of the greater of remuneration or taxable income, up to a maximum of R350,000 per year.